Four-year savings certificates with a fixed monthly return.
A 4-year certificate providing a steady 13.50% monthly payout with an initial EGP 100,000 minimum deposit and a standard 6-month lock-in condition.
- Annual yield
- 13.5%
- Term
- 4 yrs
- Min. deposit
- EGP 100K
- Payout
- Monthly
Banky Analysis
Suits you if
- I need monthly income
- Monthly payout
- Grow my savings the most
- Yield higher than average for this term
- I want a predictable return
- Fixed return for the whole term
Not for you if
- Keep my money reachable
- Longer lock-in
Not known yet
1 more detail we don't have yet
All of this is measured against products of 37–60 months in EGP only
Last checked Monday 02 November 2026 - 04:02 PM
Returns
- Yield type
- Fixed
- Payout
- Compounded monthly
- Yield by payout
- Monthly
Amount & term
- Term
- 4 yrs
- Min deposit
- EGP 100,000
Withdrawal & renewal
- Early withdrawal
- Yes
- Auto-renew
- Yes
- Renewal term
- Flexible
- Available online
- Yes
- Branch visit required
- Yes
- National ID required
- Yes
Do the maths
Our take
Pros
- Provides a predictable and stable 13.50% monthly cash flow, shielding returns against interest rate drops for 4 years.
Cons
- High initial minimum requirement (EGP 100,000) along with a strict 6-month lock-in period before full redemption is permitted.
Our take
The Emirates NBD 4-Year Fixed Rate Certificate is a medium-to-long-term savings product designed for investors seeking financial stability and guaranteed regular cash flow. By offering a fixed annual yield of 13.50% paid monthly over a 4-year tenure, it shields depositors from potential rate cuts in the market. However, the relatively high minimum entry threshold of EGP 100,000 and the mandatory 6-month lock-in period prior to full redemption make it less flexible for small-scale retail depositors or those needing short-term liquidity.
A 4-year certificate providing a steady 13.50% monthly payout with an initial EGP 100,000 minimum deposit and a standard 6-month lock-in condition.
Compare
| Four-year savings certificates with a fixed monthly return. Emirates NBD This one | Three-year savings certificates Emirates NBD | Primo Certificate with Tiered Returns banque du caire | Variable certificate QNB EGYPT |
|---|---|---|---|
| Annual yield | |||
| 13.5% | 13% | 16% Average annual yield · variable | 145.14% Total yield · At maturity |
| Term | |||
| 4 yrs | 3 yrs | 3 yrs | 10 yrs |
| Min. deposit | |||
| EGP 100K | EGP 1,000 | EGP 50K | EGP 1,000 |
| Payout | |||
| Monthly | Monthly | Monthly | At maturity |
Added Monday 18 May 2026 - 01:57 PM Updated Saturday 10 October 2026 - 10:40 PM